To give you a comparison, we are a family of 5 (2 adults, 3 kids) and SDGE is in the 60’s-70’s until we turn on the heat and it can jump up to around $120 as a high. But we have either 1 or none of the things you listed, we can fit 3 of our houses into yours, and live where we don’t need AC.

Personally, I find the overhead recessed lighting to be inefficient. It seems to me like you need more of them to create the same light compared to just your basic overhead light.